Mortgages for self-employed borrowers and business owners
Whatever you've built, however you're paid, there's likely a way to show a lender your real income. Find yourself below.
LLC and S-corp owners
You pay yourself a modest salary, take distributions, and let depreciation and expenses do their job at tax time. Bank statement and P&L loans look past the K-1.
Bank Statement LoansSole proprietors and Schedule C filers
Restaurants, shops, salons, agencies, and service businesses where the Schedule C net is a fraction of real cash flow.
Bank Statement Loans1099 contractors and consultants
IT consultants, project managers, designers, and freelancers paid by clients on 1099s.
1099 LoansReal estate agents and brokers
Commission income with heavy marketing, vehicle, and travel write-offs. Qualify on your 1099s or deposits.
1099 LoansContractors and the trades
Builders, remodelers, electricians, HVAC, and landscaping owners with equipment depreciation and lumpy deposits.
Bank Statement LoansE-commerce and online sellers
Amazon, Shopify, and marketplace sellers whose payouts run through business accounts.
Bank Statement LoansPractice owners and licensed professionals
Physicians, dentists, attorneys, accountants, and therapists who own their practice.
P&L LoansReal estate investors
Buy or refinance rentals on the property's cash flow, often in an LLC.
DSCR LoansNewly self-employed
Left a W-2 job in the same field to go out on your own? Some lenders consider less than two years.
Bank Statement LoansRecent business sellers
Sold the company and living on investments? Asset depletion turns your balance sheet into income.
Asset-Based LoansSame business owner, three different numbers
Illustration: $23,000 average monthly deposits with a typical 50% expense factor. Actual qualifying income is set by the lender.
Your tax return was built to lower your taxes, not to buy a house
That's not a problem to fix with your CPA. It's a reason to use a loan program that reads your business the way you do. Try the bank statement income calculator to see your own numbers.
Find out what you qualify for in about 60 seconds
No tax returns. No credit pull to start. Just a straight answer from a broker who works for you.
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